Comparison · 2026
Yearfold vs NewRetirement: an honest 2026 comparison
We built Yearfold, so we're not neutral — here's the fair comparison anyway, including when Boldin is the better choice for you.
Part of our roundup of the best retirement calculators in 2026. Last reviewed May 31, 2026.
Editorial review pending — see editorial process
Heads up: NewRetirement rebranded to Boldin in early 2026. It’s the same tool under a new name — the comparison below uses Boldin’s current pricing and features.
Yearfold is a financial-education tool. It is not a registered investment adviser and does not provide personalized investment, tax, or legal advice. Results are probabilistic projections based on historical data and stated assumptions; they are not guarantees. Methodology
Transparency: We make money from Yearfold Pro, and this page compares us with Boldin, a product we compete with. Every price and feature claim below is sourced and dated — if something is wrong or out of date, tell us and we’ll fix it.
Yearfold vs Boldin: side by side
| Feature | Yearfold | Boldin |
|---|---|---|
| Free tier | Yes | Yes |
| Paid price | $99/yr or $12/mo (Pro) | $144/yr or $12/mo (PlannerPlus) source ↗ |
| 10,000-path Monte Carlo | Yes | Yes |
| Models couples | Yes | Yes |
| Models dependents explicitly | Yes | — |
| Account / bank linking | No | Yes |
| AI assistant | Yes | Yes |
| Tax / Roth tools | Deep | Deep |
| Runs without a signup | Yes | — |
| No bank linking required | Yes | Yes |
Boldin facts last verified May 31, 2026 · prices change — verify on the source before deciding.
Choose Boldin if…
- Automatic account aggregation is the feature you can't live without — Boldin links your accounts and keeps balances current.
- You want one tool with 100+ inputs and a deep Roth Conversion Explorer, and you'll use PlannerPlus's detail.
- You want an AI assistant trained on the platform's own planning content.
Best for: People who want one tool that aggregates all their accounts automatically and are comfortable linking their bank.
Choose Yearfold if…
- You want a rigorous 10,000-path Monte Carlo projection for free, with no account and no bank linking required to run it.
- You want your spouse and dependents modeled explicitly, not folded into one spending number.
- You want the honest range of outcomes — the 10th-to-90th-percentile band — instead of a single optimistic figure.
- You'd consider the living-plan features (monthly plan updates, a personalized tax calendar, AI Q&A over your own numbers, bracket alerts) at $12/mo Pro — the same monthly price as Boldin, with annual at $99.
The honest verdict
Boldin (formerly NewRetirement) is the most feature-complete paid planner in this category. PlannerPlus at $12/mo (or $144/yr) gives you 100+ inputs, account linking via the major aggregators, a deep Roth Conversion Explorer, Monte Carlo analysis, and an AI assistant. If you want a single tool that aggregates your accounts and you're comfortable linking your bank, Boldin is genuinely excellent and you should consider it.
Yearfold is built on a different bet: that you can get an honest, rigorous retirement projection for free, without handing over your bank login. Yearfold runs 10,000 simulated futures against real market history from 1928–2025, models your spouse and dependents explicitly, and shows you the full range of outcomes — not a single optimistic number. There's no signup required to run it. If you later want the living-plan features (monthly plan updates, a personalized tax calendar, AI Q&A over your own numbers, bracket alerts), Yearfold Pro is $12/mo — the same as Boldin's monthly — but the core projection that most people actually need is free, forever.
Pick Boldin if account aggregation is the feature you can't live without. Pick Yearfold if you want privacy-first, honest, free probability planning that takes your whole household into account.
See your own honest projection — free.
10,000 simulated futures, your whole household, no signup. Pro is $99/yr if you want the living-plan features.
Frequently asked
Is Yearfold really free?
Yes. The 10,000-path Monte Carlo projection — modeling your spouse, dependents, Social Security, Medicare, and inflation — is free, and there's no signup required to run it. Yearfold Pro ($99/yr or $12/mo) adds living-plan features, but the core projection is free, forever.
Can I import my Boldin plan into Yearfold?
No — there's no import. But Yearfold only needs a handful of inputs to run, so re-entering them takes a couple of minutes, and you can do it without creating an account.
Does Yearfold link my bank?
No. Yearfold never connects to your bank or brokerage — you enter your numbers and nothing is aggregated to run a projection. That privacy choice is one of the main reasons people choose it.
Is Boldin worth it?
If you'll use the account aggregation and the depth of PlannerPlus, yes — at $144/yr it's one of the most complete DIY planners available, and it has a genuine free tier to try first. If you mostly want an honest probability projection and don't want to link your bank, you can get that free from Yearfold.
Did NewRetirement become Boldin?
Yes. NewRetirement rebranded to Boldin in early 2026. The product and pricing are the same tool under the new name.